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Depending on the package or products you have, there are a number of pricing options for you to choose from:

Personal current accounts

Pay as you transact - you pay the fees associated with each transaction you make on your account.

Fixed monthly fee - you pay a monthly fee, which covers a certain number of transactions in a month. Once you exceed the limit in a month, the pay as you transact option applies.

Rebate option - if you keep a balance of R10 000 or more in your account for a full calendar month certain service fees incurred under the pay as you transact option, will be paid back into your account.

Note that you can change your pricing option at any time, but the newly selected option will only come into effect at the start of the new monthly cycle.

Other transactional, saving and investment accounts

Fees are charged on a 'pay as you transact' basis

How to calculate your transaction fees

You will notice that some fees contain three numbers. The first number represents the base fee per transaction, the second the percentage of the value of the transaction and the third is the maximum fee payable on certain fees.

For example, cash withdrawals on a personal current account are charged at R4.00 plus 1.20% of the value, no maximum fee. If you issue a cheque for R1 000 the cost would be R4.00 plus R12.00 (1.20% of the withdrawal amount) making a total fee of R16.00.

2017 Pricing The links below provide information on the pricing options available on the different packages and products. Please note: These files are in Adobe PDF format. You will need Adobe Acrobat Reader to open them. Download Acrobat Reader here

2016 Pricing The links below provide information on the pricing options available on the different packages and products. Please note: These files are in Adobe PDF format. You will need Adobe Acrobat Reader to open them. Download Acrobat Reader here

On the 6th November 2015 the Department of Trade and Industry (DTI) reviewed the monthly service fee for all credit agreements and after 8 years of no increase, the monthly service fee has been adjusted. The monthly service fee is intended to cover the operational costs associated with maintaining and administering these credit agreements.

We are writing to advise that the DTI increased the monthly service fee charged on credit agreements to R68.40 with effect from 6 May 2016. In line with the increase, your existing Overdraft and/or Personal Loan monthly service fee will increase to R57 from this date.

Thank you for your continued support.

Tips on how to get more value from your account

We have an account that will suit your needs and offer you more value for your money. To ensure you have the best account and pricing option visit your closest branch or call our call centre to discuss your needs with a consultant.

Make use of our internetpricing calculator to help you decision on the best pricing option to suit your needs.

Make use of the following channels to save on fees:

1. Internet, Mobile app and Cellphone Banking:

Stay up to date with your account by using Internet banking, our mobile banking app or cellphone banking, to check your balance, make payments and transfer funds at your convenience.

In order to avoid paying a cheque deposit fee, rather try have your deposits paid electronically into your account.

2. Card / ATM:

Use your Debit or Cheque card to purchase goods rather than using cash. Look for Outlets with the MasterCard, Maestro and Visa signs.

Take advantage of withdrawing cash at till points or Standard Bank AT Ms. Its more convenient and cheaper than branch withdrawals.

Avoid paying additional charges by withdrawing cash from a Standard Bank ATM rather than using another bank's ATM.

You can make use of the AutoPlus machines to make electronic account payments

It's cheaper to deposit cash at a Standard Bank ATM than at the branch.

Keep your ATM cards safe to avoid unnecessary card replacement fees

3. Manage your available credit to ensure you stay within your limit and avoid the risk of not being able to honour your payments.

4. Avoid writing post-dated cheques.

5. Open a savings or investment account to help you save for the future and link it to your current account. This will make it easier for you to transfer money into your savings account on Internet banking, cellphone banking or our ATMs. Electronic inter-account transfers from transactional account to savings and investment accounts arefree.

(* Remember to subtract recent transactions that haven't appeared to know your actual available balance.)